The variables of the credit score model used for this research are related to the company owner and to the company. Specifically, nine variables refer to the company, while the three variables refer to the company owner.
The processing of questionnaires showed that 90 companies (23,50%) of the sample had a credit score greater than 246 points. These companies belong to the group excellent (from 246 to 295 points). In acceptable group (from 148 to 245 points) belong 163 companies (42,56%). It is therefore concluded that the first hypothesis is accepted. Namely, a total of 253 (66,06%) companies are eligible for lending according to the presented scoring model for small and medium-sized enterprises.
Looking at the correlation between the variables of the formed credit score model for small and medium enterprises, it is concluded that there is correlation between the variables of the formed credit score model for small and medium enterprises.